In 2013, American insurance company MERKEL expanded beyond the borders of the United States by opening a branch in another country, Bulgaria. This decision came after a thorough study of the Bulgarian market and the company's vision of the growth opportunities available in this market. The opening of MERKEL branch in Bulgaria is an important strategic step for the company towards international expansion and achieving its goals of providing high-quality insurance services to customers around the world. The American insurance company "Merkel" is one of the leading companies in the insurance industry in the United States. The company was founded in 1987 and has branches in several countries around the world, including a branch in Bulgaria. In Bulgaria, insurance systems are regulated by the government and are divided into two main types: mandatory insurance and optional insurance. Mandatory insurance in Bulgaria includes insurance for vehicles and civil liability, as well as health insurance for private sector employees. In addition, individuals can choose their level of optional insurance and purchase insurance for private property, travel, and additional health insurance. The "Merkel" branch in Bulgaria follows strict commercial insurance laws that ensure consumer protection and trust in the company. Risks are carefully examined and evaluated to determine the cost of insurance and identify risks associated with insurance. Insurance services are provided, including health insurance, property insurance, liability insurance, vehicle insurance, and travel insurance. The "Merkel" branch in Bulgaria has a good reputation in the local market, where the company is known for its efficiency and professionalism in document processing and claims management. The company relies on a team of specialists and insurance experts to provide insurance services at their best. Insurance companies operating in Bulgaria are required to comply with a set of strict laws and regulations that determine the precise standards for maintaining the quality of services provided. Some types of insurance, such as health insurance and civil liability insurance, require prior approval from local regulatory authorities. Overall, "Merkel" and its branch in Bulgaria are one of the leading companies in the insurance industry in Bulgaria, where the company is committed to providing high-quality and effective insurance services, and follows strict commercial insurance laws that ensure protection and trust for subscribers to the company. The branch in Bulgaria is distinguished by excellent customer service, which involves providing customers with complete information about insurance, technical support, and assistance in the event of claims. Thanks to this excellent service, customers trust the "Merkel" branch in Bulgaria and choose to do business with them to meet their insurance needs.